Shop Pay Payment Plan

Some pieces you buy the same afternoon you see them. Others sit in your cart for three weeks and you still want them. Shop Pay Installments is built for the second kind. It splits your order into smaller payments at checkout, and the studio is paid in full either way, so nothing about your order, your shipping, or your returns changes.

Here is exactly how it works and what it costs, in plain terms.

How to use it

1. Add what you want to your bag and go to checkout.
2. Choose Shop Pay.
3. Select the option to pay in installments.
4. Review the plans available to you, pick one, and make your first payment.

The rest is automatic. Your remaining payments are charged to the card saved in your Shop Pay account, and you get an email reminder before each one.

Your payment plans

What you see at checkout depends on your order total. These are the options in the United States.

Two payments, every two weeks, no interest. Available on orders from $35 to $49.99.

Four payments, every two weeks, no interest. Available on orders from $50 to $999.99.

Monthly payments. Available on orders from $150 to $30,000, over 3, 6, or 12 months depending on the amount. Monthly plans carry interest.

The important distinction: the biweekly plans are interest free. The monthly plans are not. If a monthly plan is what you choose, the rate and the total cost are shown to you before you confirm anything.

Orders under $35 are not eligible.

What it costs

There are no late fees and no hidden charges on any plan. On the biweekly plans there is no interest at all.

On monthly plans, interest applies at the rate shown to you at checkout. You see the full cost, the payment amount, and the number of payments before you agree to it. Nothing is added afterward.

The price of the jewelry is the same whether you pay in full or pay over time. We do not mark anything up for installments.

Who can use it

You need a United States billing address and a United States mobile phone number. International billing addresses and phone numbers are not eligible.

Approval is decided by Affirm, not by us. It is based on an eligibility check, your order amount, and other factors Affirm reviews. A down payment is sometimes required. We have no visibility into that decision and cannot approve, appeal, or change it.

One detail worth knowing. Plans without interest can be paid with a debit or credit card. Interest bearing monthly plans can only be paid with a debit card.

Returns, exchanges, and refunds

Buying with Shop Pay Installments does not change our return policy, and it does not change your window.

If you want to return or exchange something, contact us first, exactly as you would on any other order. We will confirm what you are eligible for under our Returns and Exchanges policy. Once your refund is processed, it is applied to your original payment method within 3 to 10 business days and your balance is updated.

A few things about how installment refunds behave, because they surprise people:

If your refund is smaller than your remaining balance, your next payment usually stays the same. Instead you can expect fewer payments, a smaller final payment, or both.

If your refund is larger than your remaining balance, the difference goes back to your original payment method.

On interest bearing plans, interest you have already paid is not refunded.

If you have a question about a missed or late payment, Affirm handles that directly. We cannot see or adjust your payment schedule.

Disclosure

Rates from 0% to 36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.

For example, an $800 purchase might cost $72.21 per month over 12 months at 15% APR.

Shop Pay and Shop Pay Installments are trademarks of Shopify Inc. Camille Jewelry is not a lender and does not extend credit.